well i feel it’s more like about "the type of game you want, a exemple, could be games like the sims itself, all the characters com from as you told “the same generic uninspired” base model, but what make that game so attractive(awesome sales) is how they work with this, even skyrim itself, it’s a exemple, many peoples really don’t care about how generic he can look as long you can tel or create things like a very good background story, good game mechanics (which is not exactly the sims games), can make the player feel inserted in the world, just look at others type of games, specially with "characters customizations, not everyone want to have a “pre-made” character which aways will look the same, peoples nowadays want more “customization” create they own characters and in many cases tell they own tales, this why using a generic character work, because using morphs you can turn him in anything else.
For me at last what is matter is the target public audience you are aimming (which nowadays is another problem because now everyone want to enjoy the same games and make annoying demands for every game aways be inclusive and bla bla bla but this for another topic not this one), i’m aiming to make a game where players can make they "own unique characters and tell they unique tales, but i also want do that giving then the best detailed possible characters.
But as i told for now we are still a indie duo, and we can’t afford to make everything for ourselfs with our limited time(we have others jobs and can’t full focus in game until at last our first game demo is finished.
this is why for now we need to look for assets and characters because for now this is very demanding specilly characters.
But as i told that were i feel really weird when looking at unreal market characters and even others places and most of then ending finding characters with very good texture looking but still a “little too low polly” and you can easy spot some annoying edges or when trying to make some special animations they ending don’t looking good because the character bending in a weird way and start to have weird deformations or clips.
anyway could be really good if many sellers started to go more further when making characters and poly counts, because as i told at last here on epic market the average poly count for characters is around 10 to 20k,(for humanoids), with few ones going around 30k or more (like dragons)